Straight Talk about the Cost of Credit Card Processing


One of the biggest concerns of any merchant who wants to accept credit cards in their business is the cost. TransFirst® has a no-hidden-fee pricing structure. Honesty, integrity and outstanding service are three tenets on which we base our business model. Regardless of the type of business you run, we will help you find the right credit card processing solution to fit your budget. We understand that it can be confusing to understand the rates and fees involved. The following information should help simplify credit card processing pricing so you can see the big picture.


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Card Present vs. Card Not Present Merchant Accounts


All merchant accounts are fundamentally the same in that they enable businesses to accept credit cards and other types of electronic transactions in payment for products and services. But not every business has the same credit card processing requirements, so there are a variety of merchant accounts to meet various demands. As a merchant services provider with years of experience, TransFirst® is well qualified to help you analyze your needs and choose the right merchant account to meet them.

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Spotlight on Merchant Services: Prepaid Cards


Say the word “plastic” to most merchants and their first association will probably be with credit or debit cards. But there’s a third kind of plastic that’s gaining in popularity: prepaid cards. Just like credit and debit cards, prepaid cards are processed by a merchant services provider as part of a merchant account agreement.

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What Is a Merchant Services Provider?


A merchant services provider (MSP) is an umbrella term that covers banks, third-party processors or any other entity that provides businesses and individuals with the products and services necessary to accept credit cards, debit cards and other forms of electronic payment. Some other terms that are used interchangeably with merchant services provider include merchant account provider (MAP), credit card processor, acquirer, or simply provider or processor.

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Credit Card Processing and the Virtual Terminal


In credit card processing, the term “virtual terminal” refers to an application — usually bundled with an electronic payment gateway — that enables a merchant to process credit card transactions securely over the Internet. Such an arrangement has many advantages for all types of businesses, including convenience, versatility, flexibility and security. At TransFirst®, we offer a virtual terminal as part of our Transaction Express® processing platform.

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©2017 Total System Services, Inc. TSYS® is a federally registered service mark of Total System Services, Inc. All rights reserved. TSYS Merchant Solutions is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, CA; Synovus Bank, Columbus, GA, and First National Bank of Omaha, Omaha, NE. TSYS Business Solutions is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, CA; Synovus Bank, Columbus, GA; and Deutsche Bank, New York, NY for Visa and Mastercard transactions only.